Give customers the bank they expect, without rebuilding the bank you have.

Yes. Zoral runs product accounts, including deposits, on an account-level sub-ledger. It posts to your general ledger and is reconciled with it. You can then add or extend products your core finds hard to support. Your app can call Zoral for onboarding, decisions and servicing, or Zoral can provide new journeys beside it. You decide what stays, and when anything retires.

Yes. Zoral can be your system of record, with Zoral Product Factory as the product and account ledger. It can supply customer journeys, onboarding, products, decisions, documents, servicing and collections around it, including Islamic products if your licence covers them. We have built and launched the complete platform for a Shariah-compliant digital bank. You choose which products go into the first release.

Yes. Each brand or partner proposition can have its own products, pricing, credit policy, customer journeys and look. Its customer data and user access can also be kept separate. For example, a bank might offer finance under a retailer’s or an airline’s name, with its own rules and approvals behind it. You decide what each brand shares and what it keeps to itself.

That is a valid route, and many banks take it. The work and risk sit where systems meet. You manage several contracts, roadmaps and data models. Controls are split across systems that each see part of the customer. Zoral covers the lifecycle on one platform with one record, including credit decisions and collections. It can still run beside a core or app you prefer to keep. You choose the mix.

Customer journeys are built in Zoral Portal Studio to your brand and design standards, and changed by configuration as you learn how customers behave. Because identity, income and affordability are checked at source, customers are asked for less. If you already have an app you are happy with, Zoral can work behind it instead. Your designers and product owners decide what customers see.

Your product and risk teams do, under the controls you set. Product rules and credit policy are configured rather than coded. Each change becomes a new version that is tested, approved under your maker-checker rules and released when you choose. Earlier versions stay on record, so you can show what applied to any customer at any point.

We have worked with clients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and Thailand, and we build with supervisors’ expectations in mind. The platform helps you track customer outcomes, identify and support customers in vulnerable circumstances, hold data where your rules require, and prepare operational resilience and exit plans, including where DORA applies. Accountability stays with the bank. Zoral supplies the controls and records that evidence it.

It depends on three things: what goes into the first release, how many systems Zoral connects to, and how fast decisions are taken inside the bank. Our advice is to start with one product or one brand, then add more in regular releases. You get a realistic plan after we scope the work with you, not before.

Our specialists and your teams use AI for Zoral to build, review and test products, journeys and workflows more quickly. It assists. People approve. AI agents, configured to your policies and workflows, can also work inside the screens your customers, staff and business users already use. Each has its own instructions, guardrails, budget and approval steps. They act only through the permissions, workflows and approvals you set. Every prompt, tool call and answer is traced for review. You choose the language models, from enterprise model services to open-weight models hosted in your own environment. Your knowledge bases, conversation records and client data stay under your governance, within the environments and agreements you control. Agents do not make credit decisions. Credit decisions follow the rules and models your bank has approved, and each one is recorded with its reasons, so you can explain it to a customer, an auditor or a supervisor.

On AWS or Azure in the region you choose, or in your own data centre, to fit local data residency rules. Zoral Document Fabric, which reads your documents, runs in your own AWS or Azure account, or your private cloud, in your region and under your control. Zoral connects to cores, card processors, payment schemes, credit bureaus, eKYC and open banking providers through documented interfaces and is designed for high availability. Our controls are independently audited under SOC 2, with details on the Zoral Trust Portal, and architecture documentation is available under a confidentiality agreement.

Yes. Your agents connect to Zoral fOS through a standard interface (MCP) and can read data, run decisions or start workflows only within the permissions you grant. Guardrails, budgets and human approval steps are set per agent, and every action is traced for review. Business analysts, product and risk managers can also configure Zoral with an AI assistant. Their changes still go through versioning and your maker-checker approval.

You choose who runs it. Zoral can run and support the platform for you, your own technology team can run it, or we share the work and hand over as your team grows. Your people run the banking operations, with the work queues and controls the platform provides. Your data, product definitions and audit history remain the bank’s and can be exported in standard formats. That gives your exit plan something concrete to rest on.

Yes. Zoral is an independent specialist, founded in 2004, with over 100 projects delivered. We built and own the platform. We are not tied to any core vendor. We work with the core, app and data providers you choose, alongside your advisers and systems integrators. We also have a long-standing relationship with KPMG.

Atelier, Zoral’s consulting and implementation team, works with your teams and, where you choose, with your advisers and systems integrators. The same team can help you design products that give customers a reason to switch, and set the strategy behind your digital bank.

Product innovation · Assessment and strategy